7 Digitization of Services in Pakistan: Will the Emerging Trends Pave the Way for a Technology Revolution?1

Total Page:16

File Type:pdf, Size:1020Kb

7 Digitization of Services in Pakistan: Will the Emerging Trends Pave the Way for a Technology Revolution?1 7 Digitization of Services in Pakistan: Will the Emerging Trends Pave the Way for a Technology Revolution?1 7.1 Introduction The services sector can play a vital role in the development of an economy. Apart from its direct contribution to GDP, numerous services are inputs for other economic activities, and thus have potential indirect benefits; for instance, finance, telecommunications, and transport all tend to facilitate the commodity-producing sectors. Similarly, well-developed health and education services contribute to enhanced labor productivity and govern the overall social development of an economy. Globally, the services sector has been witnessing a shift towards digitization. Growing internet penetration is revolutionizing the way consumers and businesses gain and share information, execute transactions, and manage their day-to-day operations. Improved digital connectivity is reshaping consumer behavior, which is increasingly tilted in favor of convenience, cost savings, and customized retail experiences. Businesses are also capitalizing on opportunities emerging from digitization, such as supply chain efficiency, lower transaction costs, and enhanced flexibility in addressing consumer needs. A spillover impact of such services has also been observed on the productivity of the commodity-producing sectors, through processes such as automation and data handling. In Pakistan’s case as well, the services sector Figure 7.1: Share of Services by Type of Economy (2017) has gathered much prominence of late, as domestic commerce has thrived and High income 74 Upper middle telecommunications and finance sectors have 59 grown steadily.2 The overall share of the sector income in the country’s real GDP reached 60 percent at Middle income 58 end FY18, and around 56 percent in nominal GDP; the latter is higher than the South Asian Pakistan 56 average (Figure 7.1). While export orientation South Asia 55 of the sector remains lower compared to Lower middle commodity producing sectors, its contribution 53 to employment – and better employment income opportunities – is significant.3, 4 0 20 40 60 80 percent of GDP Data source: World Bank Moreover, Pakistan is also among the economies where digitization is triggering changes in some components of the services sector. The shift is most prominent in domains like e-commerce, fintech, and e-government, where new ventures and approaches to deliver services are picking up. Specifically, the market size of e-commerce has grown significantly in Pakistan over the last few years, transforming the way consumers interact with – and especially pay – businesses. At the same time, fintech players are tackling broad imperfections 1 This chapter draws heavily from our discussions with Pakistan Software Export Board; Pakistan Software Houses Association; Ignite (formerly National ICT R&D Fund); Planning Commission; National Incubation Centre, Islamabad; The Nest (I/O); Invest2Innovate; Daraz.pk; Karandaaz; and ePlanet. In addition, surveys conducted by Social Innovation Lab and Invest2Innovate were also useful in developing insights about the sector. Finally, we are also thankful to Payment Systems Department of SBP for providing regulatory insights about the sector. 2 Over the last five years, the services sector has contributed 70 percent on average to the country’s GDP growth. 3 Employment in services accounted for approximately 34 percent of total employment in Pakistan as of 2017, according to an estimate cited by the World Bank. 4 The average monthly income in the services sector is 129.1 percent higher than the overall national average. For males, the income is 54.6 percent higher, while for the women it is around nine times the national average. Data source: Household Integrated Economic Survey of Pakistan 2015-16. State Bank of Pakistan Annual Report 2017-18 in the credit market by devising innovative solutions, which are increasingly being embraced by the mainstream financial sector. Finally, at the government level, new possibilities to deliver services to citizens more efficiently are being explored by harnessing the power of technology, with e- government initiatives promising more convenience for the masses while simultaneously cutting the costs and leakages incurred by implementing authorities. This chapter expands on the aforementioned developments. To set the context, it begins by identifying the broad channels through which the digitization of services is impacting the macroeconomy. For background, it also touches upon the key enablers of digitization in Pakistan, such as the role played by New Generation (3G/4G) Mobile Services. Subsequently, the emerging trends in e-commerce, fintech and e-government in the country are analyzed at length. In terms of the big picture, the future model of global economic growth is discussed in light of the fourth industrial revolution, and what Pakistan will have to do to keep up with the curve. Finally, the chapter concludes by recapping some relevant policy measures, as well as the future outlook for digitization. 7.2 Impact on Pakistan’s Macroeconomy Figure 7.2: ExpectedGains in GDP Growth of Pakistan due The ongoing digitization in provision of to Digital Financial Servcies (2016-2025) 8.0 services may be growth-enhancing from a 7.0 macroeconomic perspective.5 This notion is supported by some gains that have already been 6.0 made, as well as estimates of future potential. 4.4 According to a McKinsey Global Institute 4.0 (MGI) report, Pakistan can experience an percent 2.4 increase in its GDP by a cumulative 7 2.0 percentage points (roughly US$ 36 billion) and create around 4 million new jobs during 2016- 0.2 2025 via an increase in the use of digital 0.0 6 Gains from Productivity Investment Overall financial services (DFS) alone (Figure 7.2). new labor gains gains growth Data source: McKinsey Global Institute (2016) Firstly, the impact of DFS through increased investment may occur via (a) increased credit to SMEs and households, and (b) a shift in savings from informal vehicles to formal digital accounts. Bearing in mind that bank lending to SMEs in the country is particularly low at present, the investment channel may represent the biggest untapped opportunity from which DFS gains can be realized in the next couple of years.7 At the moment, the penetration and access to financial services is showing some improvement, as digital technologies are being deployed for opening mobile accounts; carrying out funds transfers; introducing electronic payment systems; etc. In future, this may accelerate the shift in savings to digital accounts, and have further implications for policy goals like financial inclusion. Secondly, even beyond the domain of DFS, the IT and data handling firms are already generating productivity gains across numerous sectors, by streamlining business processes and making them more efficient. The use of technology in the fields of commerce, finance, transport and communications is facilitating cost effectiveness, by providing convenient alternatives to consumers and producers. Similarly, in the retail business, growing broadband penetration is providing businesses new and cheaper ways of reaching out to customers and competing for market share. 5 Like most other economies across the world, national accounts of Pakistan partly cover the value addition of computer- related activities (CRA) in the services sector. However, the activities of the ‘digital economy’ as a whole (the process by which digitization enhances the value addition of all sectors of the economy) is not adequately covered. 6 Source: McKinsey Global Institute, 2016, ‘Digital Finance for All: Powering Inclusive Growth in Emerging Economies’ [mckinsey.com] 7 The savings rate for Pakistan was 11.4 percent for FY18. Meanwhile, the SME share in private sector credit was 8 percent, as of end-2017. 88 Digitization of Services in Pakistan Thirdly, the impact on employment generation and entrepreneurship is quite evident. As the overall digital connectivity has improved, new services and industries have emerged and along with it, self- employment opportunities and entrepreneurial space for startups (Box 7.1).8 Commerce, transport and information sectors have benefited the most. The surge of mobile money has created a network of agents providing direct and indirect livelihood to thousands of people. Finally, in the domestic ICT sector, the presence of domestic freelancers and outsourcing firms is also growing. Box 7.1: The Evolving Domestic Startup Ecosystem Domestic startup activity in Pakistan is on the rise, attributed in part to a maturing support system. At present, around 52 ‘self-proclaimed’ incubation and acceleration programs exist in the country9, from which 7-15 startups are graduating every year (Table 7.1.1).10 Thus, a conservative estimate would put the number of startups that came out in 2017 alone at around 500. In addition to incubators and accelerators, the startup ecosystem has been strengthened further by co-working spaces; 11 fellowship programs; growing scale of angel investment;12 and the launch of local chapters of global initiatives like Startup Weekend, Startup Grind, Lean Startup Machine, and Startup Cup. Furthermore, Google Developer Group and Google Business Group meetings are now being held regularly in the country, and the launch of local chapters of the Organization of Pakistani Entrepreneurs (OPEN) and The Indus Entrepreneurs (TiE) has also added vibrancy to domestic startup activity. Table 7.1.1: Noteworthy Accelerators and Incubators in
Recommended publications
  • Aliexpress's Strategic Choice for Entering the E-Commerce Market in Thailand Yan Shijie 5917195406 an Independent Study Submitte
    ALIEXPRESS'S STRATEGIC CHOICE FOR ENTERING THE E-COMMERCE MARKET IN THAILAND YAN SHIJIE 5917195406 AN INDEPENDENT STUDY SUBMITTED IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF MASTER OF BUSINESS ADMINISTRATION GRADUATE SCHOOL OF BUSINESS SIAM UNIVERSITY 2018 ALIEXPRESS'S STRATEGIC CHOICE FOR ENTERING THE E-COMMERCE MARKET IN THAILAND ABSTRACT Title: Aliexpress's Strategic Choice For Entering the E-Commerce Market in Thailand By: Yan Shijie Degree: Master of Business Administration Major: Business Administration Advisor: (Associate Professor Wei Qifeng) / / In recent years, China's traditional export trade has slowed, but cross-border e-commerce has developed momentum. Cross-border e-commerce has the characteristics of shortening the trading phase and reducing costs, bypassing the traditional trade intermediary links, making it possible for producers to directly face end consumers, both to raise profits and to lower commodity prices. Because domestic e-commerce market is beginning to enter the saturated period, Chinese enterprises seek new markets abroad in order to get rid of fierce competition from the country. When an enterprise wants to gain access to foreign markets, it is necessary to analyze the country's environment and understand the local market and industry's specific circumstances. SWOT is a common strategic analysis tool. This paper mainly studies the strategy selection of China's cross-border e-commerce platform into Thailand, and is an example of Alibaba's AliExpress, which shows whether it should enter the Thai market and how it should be entered. Based on the 4M analysis, 7 'S analysis, PEST analysis and Porter's five-force model, this paper analyzes the internal and external environment, finds out the strengths and weaknesses of the platform, the opportunities and threats existing in Thailand's market and uses five points to quantify the four factors.
    [Show full text]
  • Alibaba Kicks Off 2019 11.11 Global Shopping Festival Focus on “New Consumption,” “New Business” & “Green Action”
    Alibaba Kicks Off 2019 11.11 Global Shopping Festival Focus on “new consumption,” “new business” & “green action” Shanghai, October 21, 2019 – Alibaba Group Holding Limited (NYSE: BABA) today kicked off its 2019 11.11 Global Shopping Festival, taking the annual celebration into its second decade with a focus on “new consumption,” “new business” and actively contributing to a greener society. “Our goal is to stimulate consumption demand and support lifestyle upgrade in China through new brands and products. We will enable merchants in China and around the world to grow their businesses through data-driven product innovation and consumer insights, as well as leverage our recommendation technology and content-driven user engagement to delight consumers in urban coastal cities and less-developed areas of China,” said Fan Jiang, president of Taobao and Tmall. “Given its scale, minimizing environmental impact is essential and our technology will ensure it is a green 11.11 Global Shopping Festival.” A star-studded gala in Shanghai will count down to the world’s busiest 24 hours of shopping on the evening of November 10th. New Consumption The 11.11 Global Shopping Festival, which culminates on November 11, taps a global supply chain to meet the growing demand of Chinese consumers for new brands and new products. Over 200,000 brands are participating, one million new products are on offer and more than 500 million users are expected to participate in this year’s festival – about 100 million more than last year. Estimated consumer savings from brand and platform promotions and coupons are around RMB 50 billion.
    [Show full text]
  • March Quarter 2020 and Full Fiscal Year 2020 Results
    March Quarter 2020 and Full Fiscal Year 2020 Results May 22, 2020 Disclaimer This presentation contains certain financial measures that are not recognized under generally accepted accounting principles in the United States (“GAAP”), including adjusted EBITDA (including adjusted EBITDA margin), adjusted EBITA (including adjusted EBITA margin), marketplace-based core commerce adjusted EBITA, non-GAAP net income, non-GAAP diluted earnings per share/ADS and free cash flow. For a reconciliation of these non-GAAP financial measures to the most directly comparable GAAP measures, see GAAP to Adjusted/Non-GAAP Measures Reconciliation. This presentation contains forward-looking statements. These statements are made under the “safe harbor” provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as “will,” “expects,” “anticipates,” “future,” “intends,” “plans,” “believes,” “estimates,” “potential,” “continue,” “ongoing,” “targets,” “guidance” and similar statements. Among other things, statements that are not historical facts, including statements about Alibaba’s strategies and business plans, Alibaba’s beliefs, expectations and guidance regarding the growth of its business and its revenue, the business outlook and quotations from management in this presentation, as well as Alibaba’s strategic and operational plans, are or contain forward-looking statements. Alibaba may also make forward-looking statements in its periodic reports to the U.S. Securities and Exchange Commission (the “SEC”), in announcements made on the website of The Stock Exchange of Hong Kong Limited (the “Hong Kong Stock Exchange”), in press releases and other written materials and in oral statements made by its officers, directors or employees to third parties.
    [Show full text]
  • (2019). Bank X, the New Banks
    BANK X The New New Banks Citi GPS: Global Perspectives & Solutions March 2019 Citi is one of the world’s largest financial institutions, operating in all major established and emerging markets. Across these world markets, our employees conduct an ongoing multi-disciplinary conversation – accessing information, analyzing data, developing insights, and formulating advice. As our premier thought leadership product, Citi GPS is designed to help our readers navigate the global economy’s most demanding challenges and to anticipate future themes and trends in a fast-changing and interconnected world. Citi GPS accesses the best elements of our global conversation and harvests the thought leadership of a wide range of senior professionals across our firm. This is not a research report and does not constitute advice on investments or a solicitations to buy or sell any financial instruments. For more information on Citi GPS, please visit our website at www.citi.com/citigps. Citi Authors Ronit Ghose, CFA Kaiwan Master Rahul Bajaj, CFA Global Head of Banks Global Banks Team GCC Banks Research Research +44-20-7986-4028 +44-20-7986-0241 +966-112246450 [email protected] [email protected] [email protected] Charles Russell Robert P Kong, CFA Yafei Tian, CFA South Africa Banks Asia Banks, Specialty Finance Hong Kong & Taiwan Banks Research & Insurance Research & Insurance Research +27-11-944-0814 +65-6657-1165 +852-2501-2743 [email protected] [email protected] [email protected] Judy Zhang China Banks & Brokers Research +852-2501-2798
    [Show full text]
  • Term Report (Daraz.Pk)
    Ter m Report (Daraz.pk) By M. Farhan Jawaid (18529) Supply Chain Management Submitted To: Sir Faisal Jalal TABLE OF CONTENTS COMPANY INTRODUCTION ................................................................................................................... 2 WAREHOUSING AND LOGISTICS .......................................................................................................... 3 CHALLENGES ............................................................................................................................................ 3 PAYMENT COLLECTIONS AND DISTRIBUTION TO SELLER........................................................... 4 DELIVERY OF WRONG PRODUCTS....................................................................................................... 6 ROLE OF IT ................................................................................................................................................. 7 CONCLUSION ............................................................................................................................................. 7 REFERENCES ............................................................................................................................................. 8 1 COMPANY INTRODUCTION Daraz.pk is the pioneer of the online retailing in Pakistan. It has its operations spanned over five countries including Pakistan, Bangladesh, Sri Lanka, Myanmar, and Nepal. Back to the date, Daraz.pk started as an online fashion retailer started by a group of friends wanting
    [Show full text]
  • Alibaba Group Announces March Quarter 2018 Results and Full Fiscal Year 2018 Results
    Alibaba Group Announces March Quarter 2018 Results and Full Fiscal Year 2018 Results Hangzhou, China, May 4, 2018 – Alibaba Group Holding Limited (NYSE: BABA) today announced its financial results for the quarter ended March 31, 2018 and fiscal year then ended. “Alibaba Group had an excellent quarter and fiscal year, driven by robust growth in our core commerce business and investments we have made over the past several years in longer-term growth initiatives,” said Daniel Zhang, Chief Executive Officer of Alibaba Group. “With the continuing roll out of our New Retail strategy, our e-commerce platform is developing into the leading retail infrastructure of China. During the past year we also doubled down on technology development, cloud computing, logistics, digital entertainment and local services so that we are in a position to capture consumption growth in China and other emerging markets.” “Fiscal 2018 culminated with a quarter we are very proud of. Full year revenue grew 58%, core commerce revenue grew 60%, with profit growth of over 40% and annual free cash flow of US$15.8 billion,” said Maggie Wu, Chief Financial Officer of Alibaba Group. “Looking ahead to fiscal 2019, we expect overall revenue growth above 60%, reflecting our confidence in our core business as well as positive momentum in new businesses. We expect our new growth initiatives will drive long-term, sustainable value for our customers and partners and increase our total addressable market.” BUSINESS HIGHLIGHTS In the quarter ended March 31, 2018: Revenue was RMB61,932 million (US$9,873 million), an increase of 61% year-over-year.
    [Show full text]
  • Aliexpress Shipping Times Strongly Recommend
    Aliexpress Shipping Times Strongly Recommend Sometimes skillful Erin pompadours her sommelier impishly, but unenthusiastic Drake gollops presentably or alerts hieroglyphically. Sandy two-time his Delibes nebulised hiddenly or subtilely after Siffre relayed and nitrogenizing approximately, blinded and runtier. Chargeable Flynn surprises unfearfully. When aliexpress shipping modes offered to buy The seller agreed to refund if the item is unused and if I return the item. Parcel is returning to sender. The resource requested could not be found on this server! As you can tell my stamping techniques got better as I practiced more! Alibaba vs AliExpress Which rate is gene for Dropshipping. Improving your offers with the additions, but if you were listing hundreds of goods it starts to add up. All of these are shipped to CANADA. Should be all done when you check tomorrow morning. This displays what additional protections you have with this seller. Also it hasnt reflected on my bank account yet. Once they send you a copy of the shipping documents. The high volume of users on the platform has attracted online sellers looking to find customers for their products. The uploaded file is too large for the server to process. Populate all the information for listings, coleccionismo, you will also be notified that the product was not successfully delivered. For India, and mobile phone products, and gaming. Is that not the case? Tracking information can be valuable to customers wanting to know the location of their delivery. One cannot actually buy and sell items on the Facebook marketplace. Many people are shocked to find these hidden charges, you can earn a significant income from home, Thailand and India.
    [Show full text]
  • The Power of Mobile to Accelerate Digital Transformation in Pakistan
    The power of mobile to accelerate digital transformation in Pakistan Copyright © 2019 GSM Association The GSMA represents the interests of mobile GSMA Intelligence is the definitive source of global operators worldwide, uniting more than 750 mobile operator data, analysis and forecasts, and operators with over 350 companies in the broader publisher of authoritative industry reports and mobile ecosystem, including handset and device research. Our data covers every operator group, makers, software companies, equipment providers network and MVNO in every country worldwide and internet companies, as well as organisations in – from Afghanistan to Zimbabwe. It is the most adjacent industry sectors. The GSMA also produces accurate and complete set of industry metrics the industry-leading MWC events held annually in available, comprising tens of millions of individual Barcelona, Los Angeles and Shanghai, as well as the data points, updated daily. Mobile 360 Series of regional conferences. GSMA Intelligence is relied on by leading operators, For more information, please visit the GSMA vendors, regulators, financial institutions and corporate website at www.gsma.com third-party industry players, to support strategic decision-making and long-term investment Follow the GSMA on Twitter: @GSMA planning. The data is used as an industry reference point and is frequently cited by the media and by the industry itself. Our team of analysts and experts produce regular thought-leading research reports across a range of industry topics. www.gsmaintelligence.com [email protected] This report was authored by Kenechi Okeleke, Lead Analyst This document has been financed by the Swedish International Development Cooperation Agency, Sida. This material has been funded by UK aid from the UK Sida does not necessarily share the views expressed in government; however the views expressed do not this material.
    [Show full text]
  • Targeting Plan for Attracting the Top Tech Companies to GM
    Targeting Plan for Attracting the Top Tech Companies to GM Andrew Toolan, Head of Creative Digital and Tech, MIDAS September 2018 Contents Executive Summary……………………………………………………………………………………………………………….p1 Which Companies to Target ……………………………………………………………………………………………….p2 Top 21 Companies……………………………………………………………………………………………………………….p3 Type of Information Researched………………………………………………………………………………………….p4 Other Tech Targeting Campaigns……………………………………………………………………………………….p7 Planning Stages and Deadlines…..……………………………………………………………………………………….p9 Appendix: Company Profiles: GAFAM……………………………….………………………………………………………………….p10 Company Profiles: NATU…………………………….……………………………………………………………………….p31 Company Profiles: BAT…………………………….…………………………………………………………………………..p48 Company Profiles: Forbes 2018 List………………………………..…………………………………………………..p61 Executive Summary This paper sets out a plan for building more strategic relationships between Greater The new opportunities could come from innovation driven projects that address a company’s Manchester (GM) and the worlds largest tech companies. The aim is that closer collaboration focus, areas of interest and their challenges. It could also come via market opportunities by will ultimately lead to increased levels of partnerships, investment and job creation. partnering with GM and its various institutions on areas such as ‘digitisation and delivery of public services’. These opportunities will be positioned with the inward investment pitch but MIDAS have selected 21 companies that in 2018, were either the largest tech firms by market help GM stand out from our competitor locations by being more tailored to company needs. capitalisation, major brands or the key employers/job creators within their sector. In order to This Top 21 campaign will run in parallel (and compliment) other tech targeting campaigns develop a more strategic approach we need to get a better understanding of these such as the CDT Sub-Sector Campaign; NexGen Campaign and Emerging Tech/Data City companies in terms of their goals, challenges and areas of focus.
    [Show full text]
  • 1. Information Systems
    International Journal of Information Systems Management Research and Development (IJISMRD) ISSN(P): 2250-236X; ISSN(E): 2319-4480 Vol. 5, Issue 1, Jun 2015, 1-10 © TJPRC Pvt. Ltd. ALIBABA GROUP: FROM ONLINE TO O2O SUNGYOUNG HUH 1, SAEBOM LEE 2, SAERIM HONG 3, YURIM LEE 4, BOKYUNG KIM 5, DAYOUNGKO 6, HAEYOON KIM 7, BORAM HAN 8 & SEUGHO CHOI 9 1,2,3,4,5,6,7 Undergraduate Students, Department of Management, Ewha School of Business, EwhaWomans University, Seoul, South Korea 8Graduate Students, Department of Management, Ewha School of Business, EwhaWomans University, Seoul, South Korea 9Assistant Professor, Department of Management, Ewha School of Business, EwhaWomans University, Seoul, South Korea ABSTRACT "One day I was in San Francisco in a coffee shop, and I was thinking Alibaba is a good name. And then a waitress came, and I said do you know about Alibaba? And she said yes. I said what do you know about Alibaba, and she said ‘Alibaba and 40 thieves'. And I said yes, this is the name! Then I went onto the street and found 30 people and asked them, ‘Do you know Alibaba?’ People from India, people from Germany, people from Tokyo and China… They all knew about Alibaba. Alibaba — open sesame. Alibaba is a kind, smart businessperson, and he helped the village. So…easy to spell, and globally known. Alibaba opens sesame for small-to medium-sized companies. We also registered the name Alimama, in case someone wants to marry us” Jack Ma has built Alibaba over a decade from a simple B2B Web site for manufacturers to a global online empire.
    [Show full text]
  • Internship Report on Daraz.Com.Bd
    Internship Report On Daraz.com.bd Topic: “Takeover of Daraz Bangladesh by Alibaba Group and change in vendor acquisition process at Daraz Bangladesh” Supervised By: Mr Saif Hossain Assistant Professor BRAC Business School BRAC University Dhaka, Bangladesh Submitted By: Md Shakir Uddin Dipta ID: 14304110 BRAC Business School BRAC University Dhaka, Bangladesh Submission Date: 13th December 2018 13th December 2018 Mr Saif Hossain Assistant Professor BRAC Business School, BRAC University Subject: Submission of Internship Report Dear Sir, With due respect and admiration, I am delighted to state that, I am submitting my internship report on “Takeover of Daraz.com.bd by Alibaba.com and change in vendor acquisition process at Daraz.com.bd”. I have successfully completed my three months internship in an online retail platform-based company named Daraz Bangladesh, under the supervision of Md Sahid Alam, Acquisition Manager of Commercial Department. In my whole internship period I was responsible for vendor acquisition under commercial department, which is a process of new seller acquisition and keep update the Daraz vendor. Moreover, I was able to communicate with different corporate person who are responsible for marketing sector of a particular company or store. During formulating this report, I always make sure that this report must be informative and resourceful. I would take the opportunity to thank you sir for the support and guidelines that you have provided, which I hope to continue getting in the future. Sincerely yours, Md Shakir Uddin Dipta ID: 14304110 BRAC Business School BRAC University Acknowledgement In the first place, I would like to thank Almighty Allah for all strength and with the help of Almighty Allah and my parents’ blessings finally I have successfully done my three months ling internship at Daraz Bangladesh.
    [Show full text]
  • Ryan Green Sr
    Commerce Obsessed: How to Map a B2C Customer Journey #MLEU Ryan Green Sr. Manager, Commerce Product Marketing @Greener250 #MLEU #CommerceObsessed [email protected] #MLEU You’ve got to start with the customer CUSTOMER TECHNOLOGY experience and work back toward Flash the technology – not the other way around. Steve Jobs Boxed Software #MLEU My Commerce Experiences & Trends #MLEU Sometimes We Make it Too Easy… #MLEU B2C to B2B…pop up? #MLEU Uber Humanizes My Experience John 4.93 Red Nissan | AET112 Change color Your driver is deaf or hard of hearing. To help you spot your ride, you can change the icon glowing in your driver’s windshield #MLEU Dating Push Notification HINGE HINGE 5m ago 5m ago 19 people from Binghamton joined Hinge in NYC. BINGHAMTON You’re19 75% people more likely from to connect Binghamton with joined Hinge in NYC. hometowners!You’re 75% more likely to connect with HOME Slide for more hometowners! Slide for more NEW YORK CITY LIVE #MLEU Banking & Shopping #MLEU Marketplaces… #MLEU Competition from all angles [Patent Pending] Fulfillment Tmall / Taobao / AliExpress / Online Multi-level for UAVs Rail-borne Lazada / Alibaba.com / Amazon.com Marketplace 1688.com / Juhuasuan / Daraz Physical Whole Foods / Amazon Go / Intime / Suning* / Hema Retail Amazonbooks Ant Financial* / Paytm* Payments Amazon Payments Airborne Underground Youku / UCWeb / Alisports Amazon Video / Amazon Music Digital /Alibaba Music / Damai / Alibaba / Twitch / Amazon Game Studio Entertainment Pictures* / Audible Ele.Me (Local) / Koubei (Local) / Alimama
    [Show full text]